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​Extension Underinsured Motorist Protection

Getting into a collision is stressful enough. Finding out the other driver doesn't have enough coverage is even worse.

When it comes to auto insurance, it's a good idea to look out for yourself rather than rely on other drivers to have enough coverage. A serious crash could leave you with medical costs for the rest of your life. Extension Underinsured Motorist Protection (UMP) increases the protection provided under your Basic Autoplan, if the other driver doesn't have enough insurance.

Top up your Basic Autoplan with four coverage options

With Extension UMP, you can now get a total UMP limit of up to $2 million, $3 million, $4 million or $5 million (includes $1 million Basic UMP). You can also change, add or cancel your coverage at any time.  

How does Extension Underinsured Motorist Protection help you?

If you're in a crash where the driver at fault doesn't have enough insurance, your total UMP limit will cover things like medical costs, rehabilitation and lost wages for:

  • you and all members of your household in the vehicle with Extension UMP coverage*
  • you and all members of your household who are injured as pedestrians or cyclists, or in a vehicle other than your own.

Get coverage for each vehicle in your household

*For complete protection, each vehicle in your household must have Extension UMP added to the vehicle coverage so that you and your loved ones will be covered in all the vehicle(s) that you own.

Note: Underinsured Motorist Protection coverage doesn't apply to crashes in provinces or states where the law doesn't allow you to sue and recover damages for injury or death caused by a vehicle crash.

For more information about Extension Underinsured Motorist Protection, talk to your Autoplan broker.

Why get it? Here's an example​

John is in sales and he's on the road a lot for his job. If he’s hurt in a crash, he doesn't know the other driver may not have enough insurance to cover the costs of his recovery.

That’s why he bought Extension Underinsured Motorist Protection. The added cost is a small price to pay for knowing that he and his family will be protected, even if the at-fault driver’s policy runs short.

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